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About the trainer

Dr. Joachim BALD
Trainer for Access to Capital & Operational Management

Dr. Joachim BALD is an independent consultant for the Frankfurt School — International Advisory Services. He serves on a large portfolio of advisory mandates at emerging market banks, microfinance institutions and MSME investment funds. Recent clients include JAIDA Fund and Al Amana, Morocco, MI-Bospo — BiH, Amen Bank — Tunisia, Crystal Microfinance — Georgia, Banka Credins — Albania, Juhudi Kilimo, Kenya and FPM — DR Congo, and many others.

From 1990 to 1995, Joachim worked in the International Banking Division of Commerzbank AG, Frankfurt. In 1995 he accepted an international faculty appointment at Oregon State University in Corvallis. From 1999 to 2004, he worked with Deutsche Börse Systems, the IT subsidiary of the German stock exchange and international derivatives markets operator. From 2001 to 2004, he served as Vice President and managing director of the US subsidiary in Chicago, where he was responsible for operating the electronic futures and options trading platform for the Chicago Board of Trade. Since August 2004, Joachim works full time as an independent consultant and trainer from his home office in Grants Pass, Oregon.

Joachim's publications include a dissertation and articles on the Russian economic transformation process, Treasury Management and Liquidity Management manuals developed for the Frankfurt School as well as a study on core deposit supply behavior in low-income banking for CGAP. Joachim holds a Ph.D. in Economics from Ruhr-University Bochum and a Masters Degree in Finance from Dortmund University. He is also a US Certified Management Accountant.

Christian RÜHMER
Trainer for Risk Management

Christian RÜHMER is a Loan Exposure Manager at Deutsche Bank in New York. Before taking up this responsibility, he worked as the executive assistant to Dr. Thomas R. FISCHER, Member of the Board of Deutsche Bank AG, responsible for Treasury Risk Management and Operations. Prior to that Christian has been working for Deutsche Bank SAE, Madrid, Group Treasury. He joined the Deutsche Bank Group Treasury in 1996 after operating as a Credit Analyst in the Structured Finance & Syndicated Loans Department of Deutsche Morgan Grenfell and holding various Research and Analyst positions in different international Deutsche Bank Offices since 1991. Christian is a Chartered Financial Analyst (CFA) and a Member of the New York Society for Financial Analysts. He lectures on topics of Risk Management, Treasury and Cost Management for various international organizations as well as our Summer Academies. He is part of the faculty of Summer Academy since its inception in 2000. Christian is involved in microfinance since 2000 and has his own consulting company, Perfect Point Partners srl. (PPP) in Bolivia. The focus of his work in microfinance is on efficiency management and risk management. In several projects PPP and FS cooperate closely. Christian is also a consultant for the IFC and developed a Risk Management Toolkit for Microfinance Institutions. In his spare time Christian founded and manages a charity project providing education to over 800 children in Bolivia.

Drs. Pieter KOOI
Trainer for Transformation

Drs. Pieter KOOI, Dutch citizen, born in 1958, obtained his master degree with distinction in corporate finance and sociology at the Erasmus University in Rotterdam, the Netherlands. From 1993, he advised the NGO ACLEDA as a microfinance consultant over a period of seven years in its course from a development program into a commercial bank. From 1999, Pieter KOOI worked as a short-term microfinance consultant on projects in fifteen countries located mainly in Africa and Asia. From September 2002 until December 2005, Pieter was Director of the Microfinance Unit of UNCDF in New York. From 2006 Pieter has worked as a Resident Director of the Board of ACLEDA Bank Plc. and helped ACLEDA Bank with the establishment of ACLEDA Bank Lao, ACLEDA Securities and ACLEDA Training Center. From June 2011 Pieter continued his work as an independent microfinance consultant.

Pieter is an independent director of the Board of ACLEDA Bank Plc, ACLEDA Bank Lao Ltd. and of LOMC in Sri Lanka. He chairs the Credit and Risk Committee in both ACLEDA Bank Plc. and ACLEDA Bank Lao and developed the bank's risk policy. He is also a member of the ALCO committee of ACLEDA Bank Plc. and ACLEDA Bank Lao and a member of the audit committee of LOMC. He is a Graduate of the Australian Institute of Company Directors.

Mr. RATH Yumeng
Trainer for Access to Capital

Born in 1962, obtained a master's degree of business administration majoring in finance and banking from Western University, Phnom Penh, in 2007. He graduated with a bachelor's degree of finance at the Institute of Scientific Economic in Phnom Penh in 1991. From 1991-1998 he was the Office Manager at CARE International (UNHCR program), Financial Assistant of projects funded by UNDP and ILO, Financial Assistant at U.S. Embassy in Phnom Penh. From 1996, he attended numerous courses on management and accounting in Cambodia and overseas. In 1998 he completed Financial Manager Officer's Course in U.S.A. He joined ACLEDA in 1999 as Chief Accountant, moving on to Deputy Head of Finance Division in July 2006. He became Senior Vice President & Head of Finance Division in 2007, and he has been Senior Vice President and Head of Treasury Division since September 2008.

Mr. IN Siphann
Trainer for Risk Management

Born in 1957, studied management and accounting at the Economic School in Phnom Penh in 1980, obtained a diploma in business management in 1988, then a bachelor's degree in 2003 and is now pursuing an MBA. Since 1997, he has attended numerous courses on management and accounting, microfinance in Cambodia and overseas. In 1999, he completed an executive course on Finance Institutions for Private Enterprise Development (FIPED) at Harvard University, USA. From 1994, he worked in ACLEDA Bank as small enterprise promotion officer and credit officer. He became an accountant in 1997 and promoted as deputy branch manager within the same year. In 1998, he was promoted to provincial branch manager and then became Credit Department Manager in June 2002 and has been Senior Vice President & Head of Credit Division since July 2006.

Mr. SVAY Hay
Trainer for ESOP

Born in 1978, now he is a DBA candidate major on Finance of PRESTON University of United States. He obtained a Master degree of Law from Pannasastra University of Cambodia in 2008. He graduated with bachelor degree major on English from Pannasastra University of Cambodia in 2005. He has attended securities professional course in Kingdom of Cambodia and Korea in two years (2008-2009). He graduated in Private and Business Law from Royal University of Law and Economic in Cambodia in 2000. He finished high school from Preah Sisovath High School in 1995. Mr. SVAY Hay started working for ACLEDA Bank Plc. since 2001, He was promoted to Assistant Vice President & Manager of Legal and Litigation Unit in 2003 and to Vice President and Deputy Head of Legal and Corporate Affairs Division in 2006 and he was a founder of the ASA Internal Stock Market and he is a Chairman of ASA in 2007. He was promoted to Senior Vice President and Head of Capital Market Division in 2009. He became the President and Managing Director of ACLEDA Securities Plc. since March 2010.

Mr. LOEUNG Sopheap
Trainer for Operational Management

Born in 1967, obtained a master's degree of business administration majoring in management from Preston University, Singapore in 2004. He graduated with a bachelor's degree of management at National University of Management, Phnom Penh in 2002. He started working with ACLEDA Bank in 1997 as accountant. from 1997 to 2003 he was a Go Live Team leader . He was responsible for checking branch financial reports, loan documents Globus Conversion. He held position of Head of Customer Deposit Unit for 1 year. Mr. Sopheap was also a member of Executive Committee, EXCO, and member of assets and liability committee (ALCO). From 2004 to 2008, he was promoted to VP and Deputy Head of Marketing Division and Chairman of Product Development Committee, Electronic Banking Services (EBS) Project Manager and Head of Business Support Team. From 2008 to present, he has been SVP and Head of Product Development Division. He also hold position of ACLEDA Unity Project—ACUP (ACLEDA Mobile Phone Banking) Project Manager, and Secretary of Interest and Price Setting Committee (IPSC).